Efektivitas Penyaluran Dana Zakat Produktif melalui Program Z-Mart Badan Amil Zakat di Kota Jambi

This study analyzes the effectiveness of productive zakat distribution through the Z-Mart Program of BAZNAS Jambi City, focusing on program achievement, the economic independence of mustahik, program monitoring, and implementation constraints. Previous studies on productive zakat have generally focused on economic empowerment and mustahik welfare in broader contexts, while specific analyses of the effectiveness of the Z-Mart Program of BAZNAS Jambi City remain limited. This study addresses this gap by examining the program through Budiani’s effectiveness framework, complemented by six aspects of program achievement, including business development, economic independence, and business sustainability. This study employed a descriptive qualitative approach, with data collected through interviews and documentation. The informants consisted of four mustahik who received assistance from the Z-Mart Program and one supporting informant from BAZNAS Jambi City. Program effectiveness was analyzed using Budiani’s theory, which includes four indicators: target accuracy, program socialization, goal achievement, and program monitoring. Goal achievement was further examined through six supporting aspects: the suitability of assistance to business needs, capital and business development, changes in income or profit, business management ability, mustahik economic independence, and business sustainability. The findings show that the Z-Mart Program provides assistance to mustahik who own businesses and require support for their business activities. The assistance, provided in the form of cash and goods, was used to increase business capital and meet business needs. The program contributed to the economic conditions and independence of mustahik, although the benefits experienced varied among informants. All informants continued to operate their businesses, but faced several constraints, including limited capital, a small number of customers, business environmental conditions, and reduced mentoring. Program monitoring was conducted through mentoring and communication, but its implementation was not experienced equally or continuously by all informants. Thus, the Z-Mart Program provides benefits in supporting mustahik business activities, although continuous mentoring and monitoring need to be strengthened to maintain business sustainability.